^ This is true too.Again, every state is different, For Colorado and Minnesota, I had never heard of a road hazard claim, I have had clients blow a tire, bend a wheel and ripoff the front bumper and it was an atfault accident unfortunatly.Here in MN if a deer is in the road and you hit it, it is comprehensive, once you swerve to miss the deer and hit say a guard rail, its collsion and an atfault.